This home is in Vilano Beach, St. Augustine — a pool home in St. Johns County.
Active·172 days on market·Vilano Beach
4240 Myrtle Street
St. Augustine, FL 32084
17 more homes for sale in Vilano Beach →Search Vilano Beach on the map
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About this home
Vilano Beach
4240 Myrtle Street is a fully renovated, turnkey pool home set on a rare quarter-acre corner lot in the heart of Vilano Beach, delivering a high-level blend of character, functionality, and modern upgrades in one of the most sought-after coastal pockets in the area. This 3-bedroom, 2.5-bathroom home has been thoughtfully reworked from top to bottom, creating a true move-in-ready opportunity that lives just as well as a primary residence as it does a second home or income-producing property. From the moment you walk in, the home opens to pool views with a layout that flows effortlessly between the kitchen, living, and dining areas, giving it a natural, open feel ideal for both everyday living and entertaining. The first floor is anchored by authentic Mexican Saltillo terracotta tile flooring that brings warmth and character, paired with a clean, updated kitchen featuring tall cabinetry, granite countertops, and refined finishes.
Next steps in Vilano Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,698 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $640,204 | $141,875 | — |
| 2024 | $629,971 | $137,028 | — |
| 2023 | $596,764 | $131,435 | — |
| 2022 | $521,846 | $130,505 | — |
| 2021 | $361,229 | $125,233 | — |
| 2020 | $357,590 | $122,807 | — |
2025 property taxes (current owner): $2,414/yr
Estimated taxes if purchased at asking price: ~$19,100/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Apr 25, 2026Listed$1,195,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $436/sq ft; this home is listed at $586/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 405 Fifth Street, Vilano Beach, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $730,000 | $365 | 3/2 | 2,000 | 11 | 0 |
| 507 Third Street, St. Augustine, FL 32084Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $2,300,000 | $1,125 | 3/2 | 2,044 | 145 | 0.1 |
| 406 Third Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC | Jun 2026 | $707,000 | $436 | 4/2.5 | 1,621 | 71 | 0.1 |
| 302 12th Street, St. Augustine, FL 32084Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Jun 2026 | $806,000 | $496 | 4/3 | 1,624 | 115 | 0.4 |
| 404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Sep 2026 | $712,500 | $406 | 3/2.5 | 1,753 | 134 | 0.5 |
| 129 S Beach Drive, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $590,000 | $324 | 3/2 | 1,822 | 60 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE NEWCOMER GROUP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Vilano Beach
Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Vilano Beach homes for sale →Keep looking
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines